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This is Ariel, 21, resident of Silang, Cavite, Philippines. Single, he lives with his parents and helps them manage their household while operating his business. At this time, he is working hard to continually provide income for their everyday expenses.

Ariel maintains a tricycle business. He owns and drives one tricycle (a motorcycle with sidecar) that carries up to four passengers to their destination within the community. He starts early in the morning and works until late in the evening. There are times when he drives until the wee hours in order to earn a bigger profit. His regular customers are his neighbors and the local community. He earns a minimum of 300 PHP in his transportation business every day.

To help him continue operations of his business, he is requesting a loan in the amount of 11,000 PHP. He will use the loan to buy motorcycle parts for the maintenance of his tricycle unit. He has to maintain his unit in good condition in order to have a regular income for the daily needs of his family.

Ariel hopes to have a good life. He faithfully meets up with his co-fellowship* members to share stories of his work every week and to draw strength and inspiration from the Word of God he studies.

* All CCT community partners/clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of 15 to 30 community partners. The fellowship groups gather each week to study the Word of God, build social capital, and repay microfinance loans.

Additional Information

About the Center for Community Transformation

The Center for Community Transformation (CCT) is dedicated to the development of communities and lives via spiritual transformation and access to financial services. CCT offers loan products to address the needs of micro-entrepreneurs in the Philippines. The organization’s loan products include small business, education, and housing loans. CCT utilizes a community-based approach to provide a variety of non-financial services that include training and development programs, clinics, disaster relief operations, a low-cost medicine program, and social service programs. CCT offers a unique “Pavement Dweller” program designed to provide food, housing, and job training. CCT also provides education support services to the poorest groups in the Philippines. Find more information about CCT on their website or join their lending team.

About Philippines

  • $7,000
    Average annual income
  • 379
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 40.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Ariel to pay for spare parts and maintenance of his tricycle unit.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Nov 22, 2012
Dec 4, 2012
Currency Exchange Loss:
Jul 17, 2013